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Property
Check eligibility for Scotland's LIFT scheme — up to 40% government funding for first-time buyers and priority groups.
LIFT offers up to 40% government funding for first-time buyers and priority groups. The government takes an equity share — no rent is charged on their portion.
Enter your details to check LIFT eligibility and see your estimated government share.
The Low-cost Initiative for First-Time Buyers (LIFT) is Scotland's primary government-backed shared equity scheme. The government takes an equity share in your property of up to 40% — and crucially, no rent is charged on the government's share.
LIFT replaced the closed Help to Buy (Scotland) and First Home Fund schemes.
LIFT has two strands:
Open Market Shared Equity (OMSE): For first-time buyers, social renters, disabled people, armed forces personnel, and care-experienced young people. Maximum household income: £38,000. Property price limits vary by area.
New Supply Shared Equity (NSSE): For buying new-build homes from housing associations. Similar eligibility criteria.
| Area | Maximum price |
|---|---|
| Edinburgh | £230,000 |
| Glasgow | £200,000 |
| Aberdeen | £200,000 |
| Stirling | £210,000 |
| Dundee | £185,000 |
| Highland | £185,000 |
| Other areas | £200,000 |
Approximate limits — check gov.scot for confirmed thresholds.
Check your eligibility. Enter your income, deposit, and target property above to see if LIFT could work for you.
Back to calculator ↑Calculate your LBTT on any Scottish property purchase, including first-time buyer relief and ADS.
💷See your Scottish income tax across all 6 bands, with an England comparison built in.
💰See your exact take-home pay monthly, weekly, daily, and hourly after all Scottish deductions.
This calculator provides estimates only and does not constitute financial or tax advice. Always verify with Revenue Scotland, HMRC, or mygov.scot, and speak to a qualified financial adviser for advice specific to your circumstances.